Schwab, not properly linking accounts
Just updated to 6.4.5 Deactivated all Schwab accounts, then reactivated. Initial connection failed to link 2 retirement accounts for my spouse so created 3 new accounts, one of her retirement accounts was linked properly. I deleted the 2 new accounts, ensured downloads were disabled, then attempted to enable these 2 accounts - on this try, they didn’t appear in the Schwab list of available accounts. Yes, I have full POA on these accounts.